What Information Is Collected?
“Personally Identifiable Information” means any information that may be used to identify an individual, including, but not limited to, a first and last name, home or other physical address, an email address, phone number or other contact information, social security number and account balances, credit and payments history. CFC collects certain Personally Identifiable Information from you when you become a registered user of our website or apply for a loan. Information we collect may include your name, phone number, address, email address; and where applicable, credit card or other payment information, demographic information, social security number and account balances, credit and payments history.
In some cases you can choose to modify, edit, or delete your Personally Identifiable Information by visiting the “my account/settings” page through a link available on the home page of CFC’s website. In order to provide the most convenient experience possible for our customers, the server on CFC’s website may also automatically receive and record information from your browser on our server logs when you visit our website, including your IP address, cookie information and the page(s) you request. You can set most web browsers to inform you when a cookie has been sent to you and provide you with an opportunity to refuse the cookie, or generally not to permit cookies and other types of automated data collection. However doing so will impact critical functionality and user experience. Automatically collected information does not include Personally Identifiable Information.
You may communicate with us through the Contact page on our Website, via email, or via telephone. If you choose to contact us via the Website, email, or telephone, we may ask you for information such as your name, address, company, telephone number and email address so we can respond to your questions and comments. We also may use the information you provide to communicate with you about topics that we believe may be of interest to you.
How We Use the Information We Collect
We use Personally Identifiable Information to support the products and services offered on our website, notify you of technical updates or changes in policy, and to deliver other customer services. With your permission, we also may use Personally Identifiable Information to offer you new products and services.
In addition, we may use your Personal Identifiable Information to send you notices about upcoming events or otherwise correspond with you about products and services. You may opt-out of receiving such notices.
From time to time, we may contract with third parties for services, such as the provision of operational support to the website’s server or marketing data analysis; these services may need to obtain access to Personally Identifiable Information in order to provide the service. If we disclose such information to third parties, it will only be for these limited purposes and we will take every precaution to keep such information secure; we will never disclose your Personally Identifiable Information to any third party for that party’s marketing purposes without your explicit permission. Your Personal Identifiable Information will be sent to third parties to process your transactions, maintain your account, report to credit bureaus and to respond to legal matters.
Is The Information Shared or Disclosed?
CFC does not rent, sell or share Personal Identifiable Information it collects about you to with third parties without your permission except as noted in the previous section. However, CFC may disclose Personal Identifiable Information if required to do so by law or in the good faith belief that such action is necessary to: (1) protect and defend CFC’s rights or property, or (2) act in urgent circumstances to protect the personal safety of CFC users, our website, or the public.
We may use third parties to help us operate our website and deliver our products and services, and may share Personal Identifiable Information with affiliates, service providers and other third parties to provide products and services for or through this website.
Right to Opt Out
You have the right to “opt out” of certain of our uses of your Personal Identifiable Information. For example, at the time you are requested to provide Personal Identifiable Information on this website, you may have the opportunity to elect to, or not to receive correspondence from us (either on our behalf or on behalf of an affiliate or third party). You may also make this request by sending us an email to firstname.lastname@example.org. Please understand that if you opt-out of receiving promotional correspondence from us, we may still contact you in connection with your relationship, activities, transactions and communications with us. You may control how you receive such non-promotional correspondence from us by updating your account preferences. You may not opt out from our using your Personal Identifiable Information to process your transaction, maintain your accounts, respond to legal matters or report to credit bureaus.
The Security of Your Information
CFC will take reasonable steps to protect the security of all Personal Identifiable Information provided to this website. However, due to the inherent nature of the Internet, we cannot guarantee that information, during transmission or while stored on our system or otherwise in our care, will be absolutely safe from intrusion by others. CFC operates secure data networks protected by industry standard firewall and password protection systems. Our security and Privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers. CFC protects the security of your information during transmission by are encrypted by VeriSign w/ “VeriSign Class 3 Extended Validation SSL” certification. The connection encryption is at least “TLS 1.0, RC4 with 128 bit encryption (High); RSA with 1024 bit exchange”. Credit card information stored electronically is only accessible by authorized individuals. It is stored encrypted in our databases which are also secured and only authorized individuals have access to those servers. We will have no liability for disclosure of your information due to errors or unauthorized acts of third parties during or after transmission.
CFC seeks to avoid sending unsolicited bulk email (spam). CFC sends email messages to customers who have provided us with their email address and have elected to receive mailings. If you opt out of promotional emails, CFC may still send email messages related to your purchase of products or services.
Legally Compelled Disclosures
We may disclose user information to government authorities, and to other third parties when compelled to do so by government authorities, at our discretion, or otherwise as required or permitted by law, including but not limited to in response to court orders and subpoenas. We also may disclose user information in connection with investigations or when we have reason to believe that someone is causing injury to or interference with our rights or property, other users of the website, or anyone else that could be harmed by such activities.
CFC regards its databases of customer information (which will include your Personal Identifiable Information) as a valuable asset. In the event that CFC, or any entity of the CFC Group, sells all, or substantially all of its or their assets, are acquired by one or more third parties as a result of an acquisition, merger, sale, reorganization, consolidation or liquidation, such databases containing Personal Identifiable Information may be one of the transferred assets. By using the website you consent to such transfer of your Personal Identifiable Information.
Your Access Rights
To the extent required by law, we will provide you with reasonable access to the Personal Identifiable Information provided to us, a portable copy of the information, and the ability to review, correct, delete, restrict or object to the processing of such information. In some cases you may review and edit the Personal Identifiable Information that is stored in your user account on this website (e.g., your passwords and other contact information) by visiting a “My Profile” or similar area of your account on this website or by emailing [email@example.com] or calling (310) 587-1410. You may send us new or updated information at any time. For example, clients may change their passwords and validation reminder at any time. We will endeavor to respond to your request to access, update or delete your information as soon as practicable. Before we are able to provide you with any information correct any inaccuracies or delete any information, however, we may ask you to verify your identity and to provide other details to help us to respond to your request.
Although we will make good faith efforts to provide you with access to your Personal Identifiable Information, there may be circumstances in which we are unable to provide access, including but not limited to: where the information contains legally privileged information or would compromise others’ privacy or other legitimate rights; where the burden or expense of providing access would be disproportionate to the risks to the individual’s privacy in the case in question; or where the information is commercially proprietary. If we determine that access should be restricted in any particular instance, we will endeavor to provide you with an explanation of why that determination has been made and a contact point for any further inquiries.
Third Party “Linked-To” Web Sites
If you have questions about this policy or about CFC’s practices, we will respond promptly when you contact us by email at firstname.lastname@example.org or by postal mail at: Collateral Finance Corporation, 2121 Rosecrans Ave. Suite 6301, El Segundo, California 90245.
EU residents may report privacy complaints directly to their local data protection authorities. You may also contact us to be directed to the relevant authorities.
Last Updated: January 2019